Influencing Factors and Path Choice of Rebuilding Rural Financial Supervision System

The necessity of rebuilding Chinese rural financial supervision system is expounded. Rebuilding rural financial supervision system is conducive to normalizing rural financial order and forming the benign competitive situation; to clarifying the role played by rural financial organization and providing better financial services for "three agriculture";to forming safe rural financial environment to promote the development of rural economy and national economy. The restricting factors of rebuilding Chinese rural financial supervision system are analyzed. The major reasons are that rural financial legislation is relatively backward and the supervision department lacks the necessary legal basis. The administrative supervision is insufficient, which lead to the mal-position, administrative offside and vacancy of rural financial supervision;rural financial organization mechanism is unreasonable and the internal supervision mechanism is relatively bad;supervision organization of rural financial industry is imperfect and the function is imperfect; public's supervision awareness is weak and social supervision mechanism develops slowly. The paths for rebuilding Chinese rural financial supervision system are put forward including accelerating rural financial legislation to provide perfect legal evidence for rural financial supervision system; clarifying the position on governmental functions and fully displaying the leading role of rural financial supervision; establishing specialized rural financial supervision organization to perfect its supervision functions; vigorously cultivating people's supervision awareness to promote the development of social supervision mechanism.

On the theoretical framework and practice of financial development and financial supervision

Along with the history of the development of financial regulation, we can see that the theory of evolution has experienced from financial liberalization to financial supervision, financial regulation, then to the stage both with the safety and efficiency of financial supervision ; development of the theory of financial regulation experienced the theory of financial supervision represented by classical economics and neo- classical economic theory, to the Keynesian theory and financial repression theory, financial fragility hypothesis, the progressive liberalization of the financial road, then to the financial regulatory theory, regulatory function theory concept, regulatory incentives theory under the framework of economics of information in the 1990s. You can see the way scholars will not have feared in the study of financial regulation, and each theory proposed has its special significance in the special economic and financial environment at the time, and we can not necessarily say what kind of theory is advanced in other theory.

Financial Supervision to Be Tightened

In a bid to prevent financial crisis andalleviate its impact to Chinese enonomy,thegovernment is studying on an early warningsystem for financial risk management.

Research on Cooperation Mechanism of China's Financial Regulation and Supervision System

Financial regulation and supervision is an important subject in finance research. After the U. S. subprime mortgage crisis,the weakness in this field becomes the research focus. Every country attaches importance to strengthen the financial supervision and management. But the financial regulatory system is a large system,and the process of model building and index selection is very complicated. A model for China's financial regulation and supervision system was proposed and a system evaluation method was improved. A more exact result was drawn by choosing 2003- 2009 index data.

Discussion on the Financial Management Goal and the Investor Supervision for Enterprise

The investors and the managers are different interest entities in a firm, so there must be divergences between them in their value reference and goal selection. When a firm wants to determine its financial management goal, not all the relevant interest parties need to be considered with, but only the principal entities of them. It＇s necessary to set up the investor supervision mechanism by some certain system arrangement in order to realize the interest maximization of shareholders coinciding with the manager＇s interest maximization pursued by managers.

Mechanism Research on Standardized Development of Rural Private Finance

In generalizing the researching conditions of researchers on private finance,the paper introduces the connoted meaning of rural private finance broadly and narrowly.The paper states the forms of rural private finance(including private loaning,private bank,rural private collecting,financing organizations,cooperatives,NGO,small loaning organizations and so on),the relations between rural private finance and rural economic relations,pointing out that it is the combination of the strong and the weak,which may generate benefits with the operation of marketing mechanisms.The paper analyzes the historical causes,supervision causes and cultural causes of rural private finance,discussing mechanisms of standardized development of rural private finance:firstly,standardize the organization management mechanisms,including scaled controlling mechanisms and bank management mechanisms;secondly,complete finance supervision mechanisms;thirdly,moderate government intervention,including affording liberal policy environment and reducing the improper intervention;fourthly,upgrading qualities mechanisms,including cultivating the rural credit culture and improving the quality of regulatory personnel.

The Analysis of U.S. Deposit Insurance System and the Enlightenment to China

U.S. deposit insurance system has important and deep influence on the building and operating of the deposit insurance system for many countries in the world. Based on the analysis of the development stage and status quo of the U.S. deposit insurance system, this paper suggests that China should learn from the experience of U.S. deposit insurance system, to build and perfect the laws of deposit insurance system, and the mandatory, the scope, the insurance premium, and the top insurance amount of the deposit insurance system should be stated, and the deposit insurance agencies should maintain their independence and restrain the moral hazard. Only in that way can the deposit insurance system of China be built and perfected.

Game Analysis of Rational FRS on Market Admittance

The dynamic signaling game-model is employed to study countermeasures of Q, U and C for supply-demand on financial market. As the game result, the mixed equilibrium of Q and U exists naturally without FRS. It is concluded that FRS on market admittance is objective demand of financial market, also the rational management behavior of government FRSI. And in addition to the empirical criteria, the FRS agreements between FRSI and financial-institutions should be considered as one of advanced FRS techniques. These must cover:① the regulation conformed status investigation with sufficient frequency,② corresponding punitive measures with sufficient strength. Thus the information can be delivered FRSI have ensured only qualified and regulation-conformed financial-institutions could be allowed to enter. That could safeguard the steadiness of the financial market.

Risks and Causes of Financial Sector’s High Growth in China

In recent years,China’s financial sector has witnessed a high growth trend.This trend has been caused by several reasons:the traditional macro-control tools do not match the new normal characteristics of China’s economy growth,the regulatory reform is lagging behind the rapid progress of financial innovation,and the drastic fluctuations of the stock market are combined with a new round of increase in real estate price.In particular,this round of high growth in the financial sector occurs in the context of a rapid decline of manufacturing sector,which reflects the low efficiency of financial operations.It also means the foundation of financial stability and sustainable development is losing and high risks are coming.To deal with this change properly,we need to further deepen financial reform and improve financial supervision,and create a favorable financial environment for the real economy.At the same time,researchers should also reflect on and study the characteristics of China’s financial development,and provide the theoretical basis for maintaining financial security.